Sued by a Debt Collector

Just because you are sued by a debt collector does not mean you will lose. Whoever sues you must show it owns the debt and that you owe the debt.

Debt collector sue you? Find out your 5 options now….

The video above is quite comprehensive but we realize some folks prefer to read rather than watch a video so we have the transcript below.  Feel free to watch (or listen — the slides are not critical to understand the presentation) or read — whatever your preference is…. And I realize you may rather just pick up the phone and call us — feel free to do this by calling 205-879-2447 and we’ll be happy to chat with you.  You… (Read more)

FAQ About Being Sued By A Debt Collector In Alabama

What to Expect When You Are Being Sued — Questions and Answers Regarding Collection Lawsuits Answers are up next So you have been sued by a debt collector (debt buyer) — Asset Acceptance, CACH, Cascade, LVNV Funding, Midland Funding, Portfolio Recovery, Unifund, Velocity, etc. and you have been served with the summons. Or perhaps you are receiving letters from lawyers or non lawyers telling you that you are being sued — what do you do? Our goal is to help… (Read more)

What are the first steps to take when sued for an old credit card debt in Alabama?

Find out the best steps to take when sued on an old credit card debt in Alabama. What steps do I need to take after being sued on an old credit card debt? It is scary to be sued on an old credit card debt.  But the way through this is to work at figuring out your options and then taking the best possible action.  Knowledge is great . . . but not enough.  You must have knowledge PLUS action… (Read more)

Are all debt collection lawsuits the same across the country?

Are all debt collection lawsuits the same across the country? We often get questions and comments from folks living outside of Alabama wondering about the debt collection lawsuit process in their state. Specifically we are asked if we can help them directly or can explain how the lawsuit process works in another state. Let’s talk about it. The answer is no. Each state handles debt collection lawsuits differently, so make sure you are looking at the rules for your particular… (Read more)

What does the bankruptcy of CACH (Square Two) mean for collection suits and FDCPA suits?

A practical explanation of what it means that CACH has filed bankruptcy On March 19, 2017, CACH (through Square Two Financial Services Corporation) filed a voluntary petition for relief under Chapter 11 of Title 11 of the United States Code in the United States Bankruptcy Court for the Southern District of New York, Case No. 17-10663, and jointly administered under In re Square Two Financial Services Corporation, et al., Case No. 17-10659. OK in simpler terms, CACH went bankrupt. What… (Read more)

Make sure your lawyer answers all of your questions before hiring the lawyer

You have questions — make sure any lawyer you consider hiring answers all of your questions The primary reason you consider hiring a lawyer is because you have questions about the law or how the legal process works.  Especially when you are considering being in court — it is natural that you would have questions. So here are some suggestions as you go through the process of finding and hiring a consumer protection lawyer. Make a written list of any… (Read more)

Are debt buyers covered by the FDCPA in a collection lawsuit?

“A debt buyer claims to have bought my old debt and has sued me now. Does the FDCPA apply if the debt buyer owns the debt?” This is a question that gets asked fairly often by Alabama consumers. Let’s talk about this. The FDCPA (Fair Debt Collection Practices Act) covers debt collectors. Companies such as Asset Acceptance, CACH, LVNV, Midland, Velocity, etc. are covered by this. These guys are also known as “debt buyers.” There are plenty of them out… (Read more)